May 2024 - cypherpunks - lists.cpunks.org

The Funniest Video in the World
by Gunnar Larson 15 Mar '25

15 Mar '25

https://www.reddit.com/r/wallstreetbets/comments/13b4eot/warren_buffet_i_ha…

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xNY.io - Bank.org, PBC | Memo #1 - The People’s Republic of China on ESG and D&O Innovation
by Gunnar Larson 15 Mar '25

15 Mar '25

Brody Larson, your daddy will always love you. Gunnar ---------- Forwarded message --------- From: Gunnar Larson <g(a)xny.io> Date: Wed, Jun 8, 2022, 2:12 PM Subject: xNY.io - Bank.org, PBC | Memo #1 - The People’s Republic of China on ESG and D&O Innovation To: <Adrienne.Harris(a)dfs.ny.gov> Cc: Weber, Richard (DFS) <Richard.weber(a)dfs.ny.gov>, Weintraub, Cathy (DFS) <Cathy.Weintraub(a)dfs.ny.gov>, Alexi Anania <a(a)xny.io> June 8, 2022 BY ELECTRONIC MAIL Superintendent, Adrienne A. Harris New York State Department of Financial Services One State Street New York, New York 10004 Adrienne.Harris(a)dfs.ny.gov Re: The People’s Republic of China on ESG and D&O Innovation Dear Madam Superintendent: xNY.io - Bank.org, PBC is proud to be under the esteemed oversight of your distinguished office. Today’s memo signals concern of recent ESG and D&O research published by Nanjing Audit University of the People’s Republic of China. The institution is operated under the auspices of the Jiangsu <https://en.wikipedia.org/wiki/Jiangsu> Provincial Government, the National Audit Office of China <https://en.wikipedia.org/wiki/National_Audit_Office_of_China> and the People's Bank of China <https://en.wikipedia.org/wiki/People%27s_Bank_of_China>. Kindly find the attached memo <https://docs.google.com/document/d/1THKGP530wiMOKurCd79mHSFfW6GvCrOJsRzyA_J…> addressed to your honorable attention. Respectfully yours, Gunnar Larson -- *Gunnar Larson * *xNY.io <http://www.xny.io/> - Bank.org <http://bank.org/>, PBC* MSc <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> - Digital Currency MBA <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107 New York, New York 10001 June 8, 2022 BY ELECTRONIC MAIL Superintendent, Adrienne A. Harris New York State Department of Financial Services One State Street New York, New York 10004 Adrienne.Harris(a)dfs.ny.gov Re: The People’s Republic of China on ESG and D&O Innovation Dear Madam Superintendent: xNY.io - Bank.org, PBC is proud to be under the esteemed oversight of your distinguished office. Today’s memo signals concern of recent ESG and D&O research published by Nanjing Audit University of the People’s Republic of China. The institution is operated under the auspices of the Jiangsu <https://en.wikipedia.org/wiki/Jiangsu> Provincial Government, the National Audit Office of China <https://en.wikipedia.org/wiki/National_Audit_Office_of_China> and the People's Bank of China <https://en.wikipedia.org/wiki/People%27s_Bank_of_China>. xNY.io - Bank.org, PBC is concerned that the Nanjing Audit University and the People’s Bank of China potentially could be mis-representing intent related to ESG and D&O innovation, at the expense of our global enterprise. 1. According to the Council on Forign Relations, China is the world’s top emitter, producing more than a quarter of the world’s annual greenhouse gas emissions, which contribute to climate change. 2. Nanjing Audit University’s “theoretical analysis and hypothesis developments” suggest that the People’s Republic of China is embryonic in the enforcement of ESG and/or D&O mandates. Meanwhile, suggesting Bloomberg as a reputational capital. 3. xNY.io - Bank.org, PBC has collated 37 highlights to Nanjing Audit University’s ESG and D&O research for NY-DFS consideration. As a Bill and Melinda Gates Scholar and Blockchain Scholar holding international law distinction(s) My international graduate research has touched on Western profit of China’s water resources. xNY.io - Bank.org, PBC seeks to protect pure New York State ESG and D&O innovation. Madam Superindnet, we attentively recognize you are the world’s most powerful regulatory leader in this regard. >From this humble perspective, xNY.io - Bank.org, PBC seeks to earn your respect and consideration to explore the New York False Claims Act as a potential channel. xNY.io - Bank.org, PBC hopes New York State welcomes this assessment at the liberty of your honorable office. Respectfully yours, Gunnar Larson | xNY.io <http://www.xny.io> - Bank.org <http://bank.org>, PBC MSc <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> - Digital Currency MBA <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107 CC: Mr. Richard Webber

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FinCEN report highlights uptick in wildlife trafficking SARs
by Gunnar Larson 15 Mar '25

15 Mar '25

FinCEN report highlights uptick in wildlife trafficking SARs Illicit proceeds from wildlife trafficking total between an estimated $7 and $23 billion per year, according to data cited by FinCEN. The illegal practice “involves the illicit trade of protected animals, animal parts, and derivatives thereof, including procurement, transport, and distribution, in violation of international or domestic law, and money laundering related to this activity,” the agency stated. FinCEN provided several reasons for highlighting the uptick in wildlife trafficking SARs. Perhaps most of note, wildlife trafficking has a “strong association with corruption and transnational criminal organizations,” two of the agency’s anti-money laundering and countering the financing of terrorism (AML/CFT) priorities published in June <https://www.complianceweek.com/risk-management/fincen-puts-financial-instit…> . As a result, there is a need to “enhance reporting and analysis of related illicit financial flows,” FinCEN said. Wildlife trafficking also contributes to “biodiversity loss, damage to fragile ecosystems, and the increased likelihood of spreading of zoonotic diseases.” https://www.complianceweek.com/risk-management/fincen-report-highlights-upt… . -------- These whales are on the brink. Now comes climate change — and wind power. With only about 300 left <https://www.andersoncabotcenterforoceanlife.org/blog/right-whale-population…>, the North Atlantic right whale ranks as one of the world’s most endangered marine mammals <https://www.worldwildlife.org/species-categories/marine-animals/species/dir…>. Nearly annihilated centuries ago by whalers, the slow-swimming species is said to have earned its name because it was the “right” whale to hunt. Old-fashioned harpoons have yielded to other threats. Humans are still killing right whales at startlingly high numbers <https://www.washingtonpost.com/world/the_americas/two-percent-of-the-worlds…> — but by accident. Waters free from whalers now brim with ships that strike them, and ropes that entangle them. The latest challenges come in a changing climate. Rising temperatures are driving them to new seas. And soon, dozens of offshore wind turbines — Critical foraging area <https://drive.google.com/file/d/1ZJBjGKR7CY7FY91aYS2RHJ92m-czgrG8/view?usp=…> : Right whales spend their summers foraging in these waters. To protect the whales and their food sources, large boats are required to slow down. Observed births of North Atlantic right whales have decreased in recent years <https://drive.google.com/file/d/1o72_-FcUfRPRRNFE7aE84ucsvgXkq4GC/view?usp=…> : Because of entanglements and vessel strikes, more than 10 percent of the right whale population has been killed or seriously injured since 2017. https://www.washingtonpost.com/climate-environment/2022/04/21/right-whales-…

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xNY.io - Bank.org | Memo #2 - JPMorgan Chase Board of Directors ESG Marketplace Manipulation
by Gunnar Larson 15 Mar '25

15 Mar '25

May 1, 2022 BY ELECTRONIC MAIL Investor Relations Board of Directors, JPMorgan Chase & Co. 277 Park Avenue New York, NY 10172-0003 JPMCinvestorrelations(a)jpmchase.com Re: JPMorgan Chase Board of Directors ESG Marketplace Manipulation Dear Board of Directors: xNY.io - Bank.org recently contacted JPMorgan Chase’s board of directors to communicate our concern(s) that potentially JPMorgan Chase may be engaging in exploitation of more than $100B of ESG asset liabilities, across international regulatory arbitrage structures, while headquartered in Manhattan. Specifically, the duty to promote the success of the company is that a director must act in the way that she considers, in good faith, and would be most likely to promote the success of the company for the benefit of its members as a whole. - Failure by a board to adequately consider ESG-related risks, particularly entity-specific compliance risks such as breach of securities laws, could serve as the basis for liability of individual directors or officers for breach of their fiduciary duties. Given JPMorgan’s five cout felonies, xNY.io - Bank.org is concerned with your board of director governance in preventing ESG fraud. xNY.io - Bank.org’s assessment of JPMorgan’s board embraces fundamentals including liquidity risk and protecting New York ESG cross border innovation from marketplace manipulation. Please find the attached memo <https://docs.google.com/document/d/1bxERzXknAFfVW3YsDpNB-GPlVoiLAeeBXUrxwOF…> addressed to your board's attention. Respectfully, Gunnar Larson -- *Gunnar Larson - xNY.io <http://www.xNY.io> | Bank.org <http://Bank.org>* MSc <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> - Digital Currency MBA <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107 New York, New York 10001

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Re: JPMorgan Introduction
by Gunnar Larson 15 Mar '25

15 Mar '25

Hey William: Thank you for reaching out. It was great speaking with you about the exciting market conditions and prospective opportunities in the bond marketplace. xNY.io - Bank.org sure hopes to be a fellow innovator in space, now and in the future (under regulatory scrutiny). As mentioned, we have been in-touch with JP Morgan. Here is the last memo (attached): https://docs.google.com/document/d/1bxERzXknAFfVW3YsDpNB-GPlVoiLAeeBXUrxwOF… Not exactly sure what JP Morgan thinks of our approach to Green Bonds and others. If you think there is a fit, happy to discuss this more with you. Hope you have a great day. Thank you, Gunnar Gunnar Larson xNY.io - Bank.org 646-454-9107 On Tue, Sep 13, 2022, 3:08 PM Garrity, William <william.garrity(a)jpmorgan.com> wrote: > Hi Gunnar, > > > > I just sent out a calendar invite for 10am tomorrow. Kindly let me know > the best number to reach you and I will give you a call at that time. > > > > All the best, > > > > *Will* > > > > *William Garrity* | J.P. Morgan Private Client Advisor | Vice President | > J.P. Morgan Wealth Management > 277 Park Avenue, New York, NY 10172 | T: 212-272-2920 | > william.garrity(a)jpmorgan.com | www.chase.com/privateclient > <https://chaseprivateclient.chase.com/> | Toll free 888-994-5626 > > *Alternate Contact:* Matthew Curley | T: 212-661-8022 | F: 917-849-0665 | > matthew.curley(a)jpmorgan.com | Toll free 888-994-5626 > > > > *Alternate Contact:* Michael Agoglia | T: 212-622-3871 | Efax: > 917-849-0665 | Michael.Agoglia(a)JPMorgan.com | Toll-Free 888-994-5626 > > Please Note: > > We care about your security & privacy. Please do NOT include or attach any > confidential/personal information in emails to us. Alternatively, please > call or send information/documents by fax, USPS/FedEx, or your Secure > Message Center within your account on Chase.com. Thank you! {Examples > include (but not limited to)- Account #s, SSN/card, Account stmts. & > summaries, Tax Returns, Etc.} > > > > Electronic Mail (E-mail) May Not Be Used for Trades, Transmission of > Personal Information or Messages That Require Immediate Attention. > > J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which > offers investment products and services through *J.P. Morgan Securities > LLC *(JPMS), a registered broker-dealer and investment adviser, member > FINRA and SIPC. Insurance products are made available through Chase > Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business > as Chase Insurance Agency Services, Inc. in Florida. JPMS, CIA and JPMorgan > Chase Bank, N.A. (JPMCB) are affiliated companies under the common control > of JPMorgan Chase & Co. *(See Link to full disclosures > <https://www.chase.com/personal/private-client-disclosures.html>)* > > *INVESTMENT AND INSURANCE PRODUCTS: ● NOT A DEPOSIT ● NOT FDIC INSURED ● > NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ● NO BANK GUARANTEE ● MAY LOSE > VALUE* > > This message is confidential and subject to terms at: > https://www.jpmorgan.com/emaildisclaimer including on confidential, > privileged or legal entity information, malicious content and monitoring of > electronic messages. If you are not the intended recipient, please delete > this message and notify the sender immediately. Any unauthorized use is > strictly prohibited. >

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These whales are on the brink. Now comes climate change — and wind power.
by Gunnar Larson 15 Mar '25

15 Mar '25

With only about 300 left <https://www.andersoncabotcenterforoceanlife.org/blog/right-whale-population…>, the North Atlantic right whale ranks as one of the world’s most endangered marine mammals <https://www.worldwildlife.org/species-categories/marine-animals/species/dir…>. Nearly annihilated centuries ago by whalers, the slow-swimming species is said to have earned its name because it was the “right” whale to hunt. Old-fashioned harpoons have yielded to other threats. Humans are still killing right whales at startlingly high numbers <https://www.washingtonpost.com/world/the_americas/two-percent-of-the-worlds…> — but by accident. Waters free from whalers now brim with ships that strike them, and ropes that entangle them. But Amy DiSibio, a retired stock trader who has vacationed in Nantucket for three decades, said many are turning a blind eye to noise and other ecological impacts of the energy project simply because it is branded green. “Wind farm sounds really nice,” she said. “It’s a power plant. It really is.” Her group, Nantucket Residents Against Turbines, accuses <https://dockets.justia.com/docket/massachusetts/madce/1:2021cv11390/237553> the Bureau of Ocean Energy Management, which approved <https://www.washingtonpost.com/nation/2021/05/11/interior-department-approv…> the turbines, of failing to protect the right whale in its lawsuit. The effort has attracted support from many conservatives. David Stevenson, a former member of Donald Trump’s presidential transition team, has helped Nantucket Residents Against Turbines with publicity. And the Texas Public Policy Foundation, a right-wing think tank based in Austin, is representing <https://www.courtlistener.com/docket/61618082/seafreeze-shoreside-inc-v-uni…> fishing groups that oppose turbines being built where they work. “If we were talking about an oil and gas platform,” said Robert Henneke, the Texas Public Policy Foundation’s executive director and general counsel, “there’s absolutely no way that the federal government would be allowing that kind of a construction project in this area.” https://www.washingtonpost.com/climate-environment/2022/04/21/right-whales-…

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SpaceX Interlocking Directors’ Intent to Manipulate Markets
by Gunnar Larson 16 Feb '25

16 Feb '25

Dear Attorney General Letitia James: xNY.io - Bank.org, PBC seeks to earn your esteemed approval to engage the New York False Claims Act under urgent pretences. Today's correspondence marks the first time in history, a self-titled "mafia" (aka, the "PayPal Mafia '') is compelled to answer publicly the decision to manipulate both the New York False Claims Act and the Martin Act against one another. - Madam Attorney General, your leadership approach has historical context <https://www.nytimes.com/2019/12/10/climate/exxon-climate-lawsuit-new-york.h…> to logic and ultimate Exxon Mobil vs. New York State <https://drive.google.com/file/d/1nLp9RIYw8mAh1SRG8E9PMEK94SV-viUN/view?usp=…> case precedent. - xNY.io - Bank.org, PBC research and development notes our hawkish approach to ESG, D&O and LBO innovation. - xNY.io - Bank.org, PBC sees this not a democrat vs. republican concern as Mr. Elon Musk (CEO, SpaceX and Tesla) claims. False pretense to protect free speech are now being debated as party to a $200B pryamid scheme. Ms. James, on May 21, 2022 xNY.io - Bank.org, PBC <https://docs.google.com/document/d/1lv9Wt6y1ld4bNap0z3epIxttEGiP_oVpfxH0GTS…> contacted the SpaceX Corporation with reasonable concern of CEO Musk's intent behind the $44B Twitter LBO. The Orlando Police Pension Fund shared similar concerns to the intent behind Twitter's LBO as illegal. Since, market forces suggest that SpaceX and Tesla directors are part of interlocking directorate, self proclaimed the PayPal Mafia. The racket could waterfall to problem(s) at the New York State Department of Financial Services with Superintendent association to D&O insurance regulation. Ms. James, xNY.io - Bank.org, PBC seeks your office's urgent assessment of this matter. We aim to earn approval to explore the New York False Claims Act to confront SpaceX as a racket. *Like a house of cards, the PayPal Mafia racket could risk a waterfall of D&O interlocking directorate insolvencies. In summary: * 1. xNY.io - Bank.org's May 21, 2022 memo to SpaceX questioned intent behind baseless claims pioneered by SpaceX's CEO, branding ESG a scam via Exxon Mobil. Obviously, Exxon Mobil vs. New York State <https://drive.google.com/file/d/1nLp9RIYw8mAh1SRG8E9PMEK94SV-viUN/view?usp=…> alludes Mr. Musk party to a false claim. 2. SpaceX has failed to establish a preponderance of evidence and burden of proof not a racket. 3. SpaceX has failed to prove that Twitter's LBO is not false claim to free speech protection. 4. True social innovation cannot sponsor a fake news racket that could jeopardize space exploration and war. 5. Twitter's LBO dealmakers (Goldman Sachs and JP Morgan Chase) company balance sheets, financial statements and other corporate records do not impact xNY.io - Bank.org, PBC holding a racket accountable to false claims. The CEO of SpaceX and Tesla leveraging Exxon Mobil as an ESG securities scam does not preclude the PayPal Mafia's intent to engage false claims at the sacrifice of New York State's financial future. Madam Attorney General James, we hope to hear from your esteemed office and learn assessment of best next steps. Thank you, Gunnar -- *Gunnar Larson * *xNY.io <http://www.xny.io/> - Bank.org <http://bank.org/>, PBC* MSc <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> - Digital Currency MBA <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107 New York, New York 10001 On Sun, May 22, 2022 at 9:34 AM Gunnar Larson <g(a)xny.io> wrote: > May 21, 2022 > > BY ELECTRONIC MAIL > > SpaceX Corporation > Board of Directors > One Rocket Road > Hawthorne, California > 90250 > Sales(a)SpaceX.com > > Re: Potential SpaceX Interlocking Directors’ Intent to Manipulate > Markets > > Dear SpaceX Board of Directors: > > From our New York headquarters, xNY.io - Bank.org, PBC embodies the notion > that rather than a merry-go-round, the process of change and innovation is > like a slide. > > Today’s memo aims to notify the SpaceX Corporation of concern of potential > market manipulation that could impact cross-border digital asset > innovation, free speech in the United States of America, the global ESG > economy and Moon exploration. > > Please find the attached memo > <https://docs.google.com/document/d/1lv9Wt6y1ld4bNap0z3epIxttEGiP_oVpfxH0GTS…> > addressed to SpaceX's board of directors. > > Respectfully, > > Gunnar Larson >

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MIA Coin and POX Kleptocracy: CORRUPTION FIN-2022-A001 - SAR 38(m).
by Gunnar Larson 16 Feb '25

16 Feb '25

Dear FinCEN: xNY.io - Bank.org, PBC thanks you for sending yesterday's advisory on kleptocracy and foreign public corruption. We have made 30 highlights to the FIN-2022-A001 <https://drive.google.com/file/d/1yF3qDQG19J-qN1vUPC36lQfVClq3HPXB/view?usp=…> advisory for reference. *The aim of today's memo is to learn FinCEN's insights into MIA Coin and the consensus algorithm Proof of Transfer (POX). xNY.io - Bank.org, PBC is concerned about potential MIA Coin and City Coin kleptocracy that may be affecting our global enterprise. * *FinCEN may note that NYCCoin is illegal in New York State, given the BitLicense mandate. As such, we are not concerned with NYCCoin's legality given the clear BitLicense mandate. * - On February 4, 2022 we submitted a City of Miami records request for any and all correspondence between the City of Miami concerning CityCoins, MIA Coin and Stacks (STX). Additionally, any and all related correspondence concerning CityCoins, MIA Coin, Stacks (STX), Digital World Acquisition Corp and Harvard Management Company. - Today, April 15, 2022 <https://drive.google.com/file/d/1OyVUBq8PcG7SVZ5lUp_oWyL0IDAR5uTP/view?usp=…> we have yet to receive the 13, 092 records. Attached you will find our latest correspondence with Miami, notifying them of our intention to contact FinCEN concerning MIA Coin and POX. - Conducting independent marketplace research, xNY.io - Bank.org, PBC established a premise to potential kleptocracy between the City of Miami and City Coins, of Iceland <https://who.is/whois/citycoins.co> international registration. Furthermore, MineMiamiCoin.com is registered in Germany <https://who.is/whois/minemiamicoin.com>. - Please find the City of Miami's resolution <https://drive.google.com/file/d/1IrQwP46alrnQXRxIoXxm8kifZMVTRB_x/view?usp=…>approving gifts from City Coins ... Furthermore, City Coins suggests a $25,000 "reward" <https://drive.google.com/file/d/1Eb2Q-LZNApwQRyjbBcD5-_yEW0Id51QD/view?usp=…> (that may be confused as bribery) for Mayors who participate. MIA Coin is powered by POX <https://drive.google.com/file/d/1wL2kN6aMfsyT-T7g01YJSBB8meMn2SWg/view?usp=…>, a computer protocol that may exploit the U.S. and international financial systems to launder illicit gains, including through the use of shell companies, offshore financial centers, and professional service providers who enable the movement and laundering. MIA Coin' POX protocol is a wealth extraction tool that unfairly rewards an inside group of miners, rewarding patronage networks that benefit his inner circle and regime. These practices harm the competitive landscape of financial markets and often have long-term corrosive effects on good governance, democratic institutions, and human rights standards. FinCEN, we are concerned Miami's City Coin <https://drive.google.com/file/d/1IrQwP46alrnQXRxIoXxm8kifZMVTRB_x/view> resolution potentially confirms Miami leaders as kleptocrats, using their position and influence to enrich themselves and their networks of corrupt actors. Finally, we understand that MIA Coin and POX operations are powered by international data warehouses, located in Iceland, Germany and Hong Kong. For these reasons, given FinCEN's alert on kleptocracy and foreign public corruption we kindly seek guidance. Sending you the very best regards. Thank you, Gunnar Larson -- *Gunnar Larson - xNY.io <http://www.xNY.io> - Bank.org <http://Bank.org>, PBC* MSc <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> - Digital Currency MBA <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107 New York, New York 10001 ---------- Forwarded message --------- From: Financial Crimes Enforcement Network < fincenupdates(a)public.govdelivery.com> Date: Thu, Apr 14, 2022 at 2:46 PM Subject: FinCEN Updates: FinCEN Issues Advisory on Kleptocracy and Foreign Public Corruption To: <g(a)xny.io> *You are subscribed to FinCEN Updates. The information below is available at Fincen.gov.* *FinCEN Issues Advisory on Kleptocracy and Foreign Public Corruption* The Financial Crimes Enforcement Network (FinCEN) today issued an advisory on kleptocracy and foreign public corruption, urging financial institutions to focus their efforts on detecting the proceeds of foreign public corruption — a priority for the U.S. Government as it continues to implement the U.S. Strategy on Countering Corruption <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDAsInVy…>. The advisory provides typologies and potential indicators of kleptocracy and other forms of foreign public corruption, namely bribery, embezzlement, extortion, and the misappropriation of public assets. *News Release:* https://www.fincen.gov/news/news-releases/fincen-issues-advisory-kleptocrac… <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDEsInVy…> *Advisory: * https://www.fincen.gov/resources/advisories/fincen-advisory-fin-2022-a001 <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDIsInVy…>

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Re: response to FOIl request FOIL-2022-090627-018419
by Gunnar Larson 15 Feb '25

15 Feb '25

Dear Mr. Bogdan: Thank you for the note. We would kindly like to appeal this FOIL records decision. For example, One Million Black Women's board of directors states inclusion of policy and social leadership from Apple. Mr. Bogdan, xNY.io - Bank.org has filed another FOIL request concerning DFS' recent "Apple Card Report." The Apple Card Report and associated DFS investigation focused on financial inclusion metrics for women in New York State. Between the Apple Card Report and One Million Black Women being under DFS' umbrell of oversight, it would appear no records being publicly available would signal potential marketplace spoofing. Furthermore, DFS' "Student Protection Unit" licenses and supervises student loan servicers, monitors student-related financial practices in New York, and educates and advocates for student consumers and their families about available financial products and services. As a "Bill and Melinda Gates Scholar" and a "Blockchain Scholar" and a "Al Neuharth Freedom Forum Scholar" I am aware of a scholarship program funded from New York targeting students in Africa. Mr. Bogdan, from New York this fund advertises over $100M in scholarships for online degrees for students in Africa. Logic would conclude DFS' Student Protection Unit would hold records on this scholarship fund. No records would furthrtmore exacerbate spoofing concern of a potential interlocking directorate. At the very least, DFS records pertaining to mail and/or wire fraud related to the department's financial inclusion oversight would be helpful to our research. Have a great day, Gunnar -- *Gunnar Larson * *xNY.io <http://www.xny.io/> - Bank.org <http://bank.org/>* MSc <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> - Digital Currency MBA <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107 New York, New York 10001 On Tue, Nov 1, 2022, 3:24 PM <George.Bogdan(a)dfs.ny.gov> wrote: > Dear Mr. Larson: > > My response to your FOIL request is attached. > > Sincerely, > George Bogdan > DFS Records Access Officer > > Tracking Number:FOIL-2022-090627-018419 >

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xNY.io - Bank.org | Memo #2 - JPMorgan Chase Board of Directors ESG Marketplace Manipulation
by Gunnar Larson 14 Feb '25

14 Feb '25

https://docs.google.com/document/d/1bxERzXknAFfVW3YsDpNB-GPlVoiLAeeBXUrxwOF… May 1, 2022 BY ELECTRONIC MAIL Investor Relations Board of Directors, JPMorgan Chase & Co. 277 Park Avenue New York, NY 10172-0003 JPMCinvestorrelations(a)jpmchase.com Re: JPMorgan Chase Board of Directors ESG Marketplace Manipulation Dear Board of Directors: xNY.io - Bank.org recently contacted JPMorgan Chase’s board of directors to communicate our concern(s) that potentially JPMorgan Chase may be engaging in exploitation of more than $100B of ESG asset liabilities, across international regulatory arbitrage structures, while headquartered in Manhattan. Specifically, the duty to promote the success of the company is that a director must act in the way that she considers, in good faith, and would be most likely to promote the success of the company for the benefit of its members as a whole. - Failure by a board to adequately consider ESG-related risks, particularly entity-specific compliance risks such as breach of securities laws, could serve as the basis for liability of individual directors or officers for breach of their fiduciary duties. Given JPMorgan’s five cout felonies, xNY.io - Bank.org is concerned with your board of director governance in preventing ESG fraud. xNY.io - Bank.org’s assessment of JPMorgan’s board embraces fundamentals including liquidity risk and protecting New York ESG cross border innovation from marketplace manipulation. - According to JPMorgan’s August 2021 Sovereigns and ESG whitepaper, the bank states that governance carries the largest weight of the three ESG pillars across scores, as it is the most empirically relevant for asset prices. - JPMorgan notes that philosophically, the bank views good governance as a foundational pillar for positive ESG developments in other pillars. Today’s memo follows protocol suggested by the United States of America, in that JPMorgan Chase’s board of directors is responsible to xNY.io - Bank.org’s enterprise and the Department of the Interior, in connection with any action alleging a violation of the Endangered Species Act, by any person (“person” means an individual, corporation, partnership, trust, association, or any other private entity) claiming the benefit of any exemption or permit under the Act, who shall have the burden of proving that the exemption or permit is applicable, or has been granted, and was valid and in force at the time of alleged violation. xNY.io - Bank.org has made 91 highlights to the Department of Interior’s Endangered Species Act for JPMorgan Chase’s board of directors reference. 1. xNY.io - Bank.org has reason to believe in the JPMorgan Chase board of directors’ engagement of ESG marketplace manipulation, risking your ESG portfolio’s future at the cost of New York digital asset innovation. 2. xNY.io - Bank.org references your 2021 Environmental Social and Governance Report, totaling $117B of ESG “development funding” transferred from New York to Caribbean and Eastern European accounts. 3. xNY.io - Bank.org is concerned of JPMorgan Chase board directors leveraged marketplace manipulation techniques in allocating ESG funds to engage in potential harassment (the term "harassment" means any act of pursuit, torment, or annoyance) of some of the world’s most precious endangered species protected by domestic and international governance. 4. JPMorgan Chase’s $2.3B ESG “wind farm” facility is characterized by the Washington Post as a potential misuse of ESG assets (and board policies) to fund probable violation(s) of the Marine Mammal Protection Act of 1972. Looking internationally, xNY.io - Bank.org is concerned of further ESG marketplace manipulation structures, sacrificing endangered species, via JPMorgan Chase’s board directed ESG investments in the Caribbean (your largest ESG investment region). xNY.io - Bank.org signals that JPMorgan’s board of directors is party to the Convention on Nature Protection and Wild Life Preservation in the Western Hemisphere. Being clear, any violation of the Endangered Species Act, the Marine Mammal Protection Act and/or the Convention on Nature Protection and Wild Life Preservation in the Western Hemisphere … Requires xNY.io - Bank.org to consult JPMorgan Chase board members on ESG allocations that may be in conflict with construction, or other development projects, or other forms of economic activity. xNY.io - Bank.org asks JPMorgan Chase board directors to return the Secretary of Department of the Interior’s approval, confirming licensing and/or exclusion to the Endangered Species Act, with further authorization of “harassment” pursuant to exemption(s). Including (if available) a similar Environmental Protection Agency permit that is applicable and is valid and in force. - Due to the riskiness of ESG portfolio mismanagement in violation of the Endangered Species Act, ESG marketplace manipulation risk(s) may trigger causal shocks to New York State monetary and regulatory innovation. - According to JPMorgan’s sovereign fund ESG research, “A common complaint about ESG analysis is that data can be difficult to source. Some sovereign data is in fact more readily available than corporate data given the multitude of multinational organizations and NGOs – including the World Bank, the IMF and the United Nations.” - The European Central Bank provides support to the eurozone sovereign debt market but has more restrictions on what and how much it can buy, so eurozone bonds can trade with more credit risk premium compared to other major developed market bonds. - Whatever the case may be, JPMorgan disclosures detail significant concern of lapse in board governance and ESG portfolio risk with potential violation of the Endangered Species Act, risking ESG portfolio default(s) in Europe and the United States risking ESG customer financial abuse. Forbes recently profiles JPMorgan Chase ESG investments as problematic, highlighting that your board of directors potentially are allocating ESG proceeds in competition with human rights at the expense of customers’ best interests while investing heavily in fossil fuels. A letter to JPMorgan Chase’s board of directors from ESG scholars (including, The Sierra Club, Public Citizen, Greenpeace, Amazon Watch, Revolving Door Project, Rainforest Action Network and the Center for International Environmental Law) suggests the bank would “...lock us into energy sources that are overly expensive and subject to wild price swings, and that exacerbate rather than ease global conflict.” xNY.io - Bank.org aims to protect ESG digital asset innovation and JPMorgan’s board should understand your proprietary ESG scoring matrix should signal seismic marketplace manipulation risk if directors are in potential violation of any Endangered Species Act covenant. - Head of Europe, Middle East, and Africa (EMEA) distribution at JP Morgan Asset Management says, “In Europe, we do not have a semi-transparent product – like the US and Australia – which would add further complexity to the trading. For example, the US has several models which make it harder for the AP to guess what the actual fund looks like and therefore the costs might be higher accordingly.” - Given, JPMorgan may potentially be in breach of United States Endangered Species Act provisions, similar risk of ESG asset failure(s) may include Europe, Middle East, Africa and Australia international law, as ratified by the Convention on International Trade in Endangered Species of Wild Fauna and Flora. While directors and officers are likely to be particularly focused on the risk that they may be found personally liable for a breach of their duties, proper ESG compliance with fiduciary obligations requires acting to a higher standard. Given the defenses available to fiduciaries, and the difficulty in bringing claims for breach of fiduciary duty, a director or officer found to be liable for such ESG breaches will generally have acted egregiously. This ‘sliding scale’ of the standards to which directors and officers should adhere. Following the Endangered Species Act, xNY.io - Bank.org kindly petitions JPMorgan’s board of directors, in connection with all ESG investments, claiming the benefit of any exemption or permit under the United States Department of the Interior’s Endangered Species Act … Shall have the burden of proving that an exemption or permit is applicable, or has been granted, and is valid and in force. - At JPMorgan’s earliest convenience (within 60 days of receipt of this memo) xNY.io - Bank.org kindly requests a certified copy of JPMorgan Chase’s approval by the Department of the Interior, being a license and/or exclusion to the Endangered Species Act and/or the Marine Mammal Protection Act. - JPMorgan Chase suggests a commitment to anti-corruption compliance is central to the success of its business. Your board of directors stand to maintain that trust by promoting a corporate culture that encourages ethical business practices and compliance with both the letter and the spirit of the laws of the countries in which the JPMorgan conducts business. xNY.io - Bank.org’s research guidance from the United States Securities and Exchange Commision, supports the international community in taking actions to address ESG issues on a global basis, and those actions that can have a material impact on companies. Future correspondence concerning ESG innovation is at your board’s leisure. Respectfully yours with appreciation, Gunnar Larson | xNY.io <http://www.xny.io> - Bank.org <http://bank.org>, PBC MSc <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> - Digital Currency MBA <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107

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